If you are covered for Major Medical Supplemental benefits with BF&M, hospital admissions and emergency room treatment are covered at 100%. The sooner you contact the Overseas Case Management Team when an overseas medical emergency arises, the better. However, your health is always the main priority. If possible, have someone contact us on your behalf, or wait until you are in a stable condition.

If you are covered for Standard Health Benefits only, or a supplemental health plan which does not include Major Medical benefits, you are only eligible for hospital care locally. Overseas treatment is not covered.